Assistant Consumer Lending Manager

PIONEER FEDERAL CREDIT UNION•Mountain Home, ID

1d•Onsite

About The Position

As a progressive financial institution, Pioneer Federal Credit Union (Pioneer) is seeking a dynamic and enthusiastic individual to fulfill the role of Centralized Lending Manager at our Mountain Home Administrative Office. Candidates must be eligible for membership at Pioneer to obtain employment. Pioneer Federal Credit Union (Pioneer) takes our organization culture seriously, and every team member understands it is their responsibility to be a brand champion who plays a critical role in driving our members, business partners (internal and external), and their families to stronger financial futures. A part of everyone's role is to demonstrate a commitment to Pioneer's vision and mission, embody our core values, behaviors, and proactively contribute to our credit union's growth and progress. The Assistant Consumer Lending Manager will play a key role in supporting the Consumer Centralized Lending Manager in overseeing a team of Consumer Lending Specialists and Consumer Loan Processors. This position is responsible for assisting in exception reporting, quality control assessments, and operational support within the Credit Union's lending operations. The Assistant Consumer Lending Manager will contribute to accurate reporting, process improvements, and compliance with policies and regulations. Additionally, they will assist in managing loan data validation, risk evaluation, and transaction fulfillment within delegated authority.

Requirements

Minimum of one year in lending operations or credit analysis in a financial institution, including previous experience in a leadership or supervisory role within lending operations or credit analysis in the financial services industry.
Experience in a consumer loan environment and familiarity with requirements for securing liens on various types of collateral.
Sound knowledge of credit union operations, loan documentation, and regulatory requirements.
A high school education or GED.
Work involves contact with persons beyond immediate associates regarding routine matters for the purpose of giving or obtaining information which may require some discussion. Outside contacts take the form of service to the public (members or vendors), requiring ordinary courtesy in providing assistance and information.
Strong analytical skills with the ability to interpret data, identify trends, and contribute to data-driven decisions.
Demonstrated ability to support and manage a team, providing guidance, mentorship, and fostering a positive work environment.
Excellent communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels.
Detail-oriented with strong organizational and problem-solving abilities.
Proficiency in using relevant software tools for reporting and data analysis.
Ability to understand and work with mathematical concepts as they apply to lending.

Responsibilities

Monitor the processing queue and manage multiple loans as they come in from the branch network and work with other members of the team to get loan documents accurately completed and prepared for funding in a timely manner, gathering additional loan information as needed.
Perform pre-close quality control following established process and proactively communicate with staff and members to quickly resolve any issues.
Provide guidance, support, and supervision to the team of Lending Specialists and Consumer Loan Processors, assisting them in their professional development and ensuring adherence to established procedures.
Assist in the production of exception reports, analyzing defects and defect rates within core functions of Credit Union operations, according to departmental guidelines and specified time frames.
Contribute to the accurate preparation and delivery of operational and exception reports for various lending products, supporting service quality, member records, and Credit Union data improvement.
Collaborate with the Centralized Lending Manager and the team to identify opportunities for operational efficiency enhancements, recommend process modifications, and support the implementation of necessary changes to reduce exceptions and streamline workflows.
Participate in the review of loan data, documentation, and risk factors, providing guidance to the team in assessing risk and making informed decisions within delegated authority.
Assist in ensuring compliance with internal policies, industry regulations, and legal requirements for all lending operations and activities.
Support the Centralized Lending Manager in monitoring and tracking team performance, productivity, and quality metrics, providing feedback and support to enhance individual and team performance.
Collaborate with cross-functional teams, including Underwriting, Credit Administration, and Compliance, to address operational issues, resolve exceptions, and improve overall processes
Assist in identifying training needs, contribute to the development of training materials, and participate in training sessions to enhance the team's skills, knowledge, and quality control awareness.
Performs other job related duties as assigned.

Benefits

An excellent compensation package
An 8% Employer Matching dollar-for-dollar 401(k) program after Year One
Health, dental and vision insurance
Pioneer pays a minimum of 80% of the premiums for team members AND dependents
12 paid holidays including day after Thanksgiving for Team Member Appreciation Day
Accrue up to 16 days of Paid Time Off in Year One, plus Birthday and Work Anniversary Floating Holidays
PTO accrual increases with Pioneer seniority
Up to $300 in Interest-free Wardrobe Salary Advance available on Day One!
Up to $2,000 in Interest-free Technology Salary Advance
Up to $1,000 Interest-free Wellness Advance to purchase gym membership, Peloton, or any exercise equipment
Up to $2,300 in Tuition reimbursement per semester
Childcare reimbursement up to $100 per child per month
So much more!